
Affordable Auto Insurance Without Compromise
Because your car isn’t just a vehicle; it’s part of your life. We offer comprehensive protection that safeguards your investment, reduces financial stress, and keeps you on the move.
Get a Personalized Auto Insurance Quote
Protect what matters most with coverage options that keep you and your loved ones secure. Call Melton McFadden for a personalized auto insurance quote at 800-704-2280. Our team will answer any questions you have and help you choose car insurance coverage to fit your specific needs and budget.
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Benefits of Car Insurance
Auto insurance is your safety net when life takes an unexpected turn. It helps with things like medical bills, property damage, legal costs, and more. Customize your coverage to fit your needs and feel secure every time you drive.
Personal Auto Insurance Coverage
Life is unpredictable, but your coverage doesn’t have to be. Explore our range of options to find a policy that protects you, your car, and your peace of mind. Choose from liability, collision, or comprehensive packages, and design a policy that fits your budget and driving habits.
Comprehensive Coverage
Protect your car from more than just accidents. Comprehensive coverage handles non-collision incidents like theft, natural disasters, or a stray shopping cart in the parking lot.
Collision Coverage
Accidents happen, but you don’t have to face the repairs alone. Collision coverage helps cover damage to your car after an accident, no matter who’s at fault.
Liability Coverage
Liability insurance is there to protect you when an accident is your fault, covering damages to other vehicles, property, or medical expenses for others involved.
Residual Liability Coverage
When legal responsibility falls on you, residual liability coverage steps in. It protects against lawsuits for injuries or property damage in specific scenarios to ensure you meet Michigan’s legal requirements.
Personal Injury Protection (PIP)
Your well-being comes first. Personal Injury Protection (PIP) covers medical expenses for you and your passengers, ensuring recovery is your main priority.
Property Protection Insurance (PPI)
Unexpected accidents happen, but PPI ensures you’re covered. PPI provides coverage for damage your car causes to other people’s property, like parked cars or buildings.
Emergency Roadside Assistance
Don’t get stranded. With emergency roadside assistance, help is just a call away for flat tires, towing, fuel delivery, and more when the unexpected happens.
Uninsured or Underinsured Motorist
Stay protected even when others aren’t. This coverage helps cover costs if you’re hit by a driver with little or no insurance.
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Ways to Save on Personal Auto Insurance with Melton McFadden
Saving on car insurance doesn’t have to be complicated. At Melton McFadden, we offer smart ways to help you lower your premiums without compromising on coverage. Why pay more than you need to?
Multi-Policy Discounts
Bundle your auto insurance with other policies like home or renters insurance to save more. Combining policies is a simple way to maximize your protection while lowering your costs.
Multi-Auto Discounts
Insuring more than one car? You could qualify for a multi-auto discount. Covering all your vehicles with one policy is convenient and cost-effective.
Safe Driving
A clean driving record doesn’t just keep you safe—it can save you money. Drive carefully, follow the rules, and watch your premiums drop over time.
No Accident History
Being accident-free pays off. Insurance providers reward drivers who maintain spotless records with lower rates, so staying cautious on the road makes a big difference.
Student Discounts
Good grades equal good savings! If you’re a student or have one on your policy, we can help you find discounts for academic achievement or taking driver safety courses.
Car Safety Features
Cars with advanced safety features like anti-lock brakes or collision warning systems often qualify for lower rates. Invest in safety and enjoy the savings.
Policy Payments
Paying upfront or choosing automatic payments can help you avoid fees and even lower your premium. Plus, it simplifies managing your insurance.
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Understanding Michigan’s Car Insurance Requirements
Navigating Michigan’s car insurance laws can feel overwhelming, but we’re here to make it easy. Michigan is a no-fault state, which means your insurance covers your medical expenses and lost wages after an accident—regardless of who’s at fault. To comply with state laws, all drivers must have personal injury protection (PIP), property protection insurance (PPI), and residual liability coverage. These requirements are designed to keep everyone safer on the road and minimize financial stress after an accident.
On top of the basics, Michigan allows you to customize your PIP coverage depending on your health insurance. This flexibility can help you tailor your policy to fit both your needs and your budget. If you’re unsure about how much coverage you need or what options might work best, our team at Melton McFadden can help you sort through the details, giving you confidence in your policy.
Get Quotes for Michigan Personal Auto Insurance Coverage with Melton McFadden
At Melton McFadden, we’re here to help life—and business—go right. Get in touch today to learn more or request a quote today!
Get StartedFrequently Asked Questions About Personal Auto Insurance
What is car insurance?
Car insurance provides financial protection against accidents, injuries, and damages. It helps cover medical expenses, vehicle repairs, and legal costs, keeping you secure while on the road.
Why do you need car insurance?
Car insurance is essential to protect yourself, your passengers, and others in case of an accident. It covers repair costs, medical expenses, and even legal fees, ensuring you’re not left financially vulnerable.
What auto coverage is required in Michigan?
Michigan requires drivers to carry personal injury protection (PIP), property protection insurance (PPI), and residual liability coverage. These essentials ensure you’re covered for medical expenses, damages, and legal claims.
What type of car insurance should I get?
The right car insurance depends on your needs and budget. Choose from liability, collision, or comprehensive coverage, and consider factors like driving habits and car value to build the best policy for you.
What information do you need to get a car insurance quote?
To get a personalized quote, you’ll need to provide personal information like your name, date of birth, and address. You’ll also need details like your vehicle year, make, and model. Our team will guide you through the process for a hassle-free experience.
Does my auto insurance cover a loaner vehicle?
Typically, your personal auto insurance covers loaner vehicles, but this can vary based on your policy. It’s a good idea to confirm coverage with your provider to avoid any surprises.
Does my auto insurance cover rental cars?
In most cases, your auto insurance will extend to rental cars. However, it’s always best to check with your insurance provider to confirm coverage specifics for rental vehicles.
Does my personal auto insurance cover business use?
Personal auto insurance typically doesn’t cover business use of your vehicle. It’s important to discuss your needs with us, so we can help you find a commercial auto policy or an endorsement that fits your specific situation.
Learn More about Business Insurance Learn More about Commercial vehicle insurance
How much is car insurance monthly?
The cost of car insurance depends on several factors, such as coverage options, driving history, vehicle type, and more. We’ll help you find a plan that fits your budget and needs.
What should I do if I get in a car accident?
First, ensure everyone’s safe, then contact local authorities to report the incident. Follow up with your insurance company and provide the necessary details to start the claims process.
How do you compare car insurance quotes?
When comparing car insurance quotes, we evaluate various factors including coverage options, premiums, potential discounts, and the reputation of the insurers. We work with you to help choose your type of coverage, coverage limits, and deductibles you can afford.
Why should I get auto insurance quotes from Melton McFadden?
At Melton McFadden, we work with and have access to numerous top-rated insurance carriers, helping you find the best coverage at the most competitive price. We take the time to understand your needs and ensure you’re fully protected. If you’re a Michigan driver, contact us today or call 800-704-2280 to get a quote!
Car & Auto Insurance Terminology
Understanding common terms in auto insurance can help you navigate policies more effectively and make informed decisions about coverage and costs.
Deductible
The deductible is the amount you pay out-of-pocket before your insurance kicks in to cover the rest of the damages in an accident or claim.
Liability
Liability is the legal responsibility for any harm, injury, or damage caused to another person or their property.
Limits
Limits are the maximum amount an insurer will pay for covered claims under your policy. Understanding these limits can help you choose the right coverage level.
Premium
A premium is the amount you pay for your insurance policy. It’s typically billed monthly, semi-annually, or annually depending on your agreement.